2021 Florida Loan Limits by County
Conforming, HB Conforming & FHA loan limits
The 2020 National Conforming Loan Limit is $510,400.
Some Florida counties have a higher loan limit, refered to as "High Balance" Conforming.
Florida has an FHA loan limit of $314,827 and many counties have "High Balance" limits as high as $529,000 in Monroe County.
| Florida County Limits | 2021 Conforming & HB Conforming Loan Limits by Florida County (GSE 1-unit limit) | 2020 FHA & High Balance FHA Loan Limits by Florida County (1-unit) |
|---|---|---|
| Alachua | $548,250 | $314,827 |
| Baker | $548,250 | $358,800 (High Balance FHA) |
| Bay | $548,250 | $314,827 |
| Bradford | $510,400 | $314,827 |
| Brevard | $548,250 | $314,827 |
| Broward | $548,250 | $356,500 (High Balance FHA) |
| Calhoun | $548,250 | $314,827 |
| Charlotte | $548,250 | $314,827 |
| Citrus | $548,250 | $314,827 |
| Clay | $548,250 | $358,800 (High Balance FHA) |
| Collier | $548,250 | $450,800 (High Balance FHA) |
| Columbia | $548,250 | $314,827 |
| De Soto | $548,250 | $314,827 |
| Dixie | $548,250 | $314,827 |
| Duval | $548,250 | $358,800 (High Balance FHA) |
| Escambia | $548,250 | $314,827 |
| Flagler | $548,250 | $314,827 |
| Franklin | $548,250 | $314,827 |
| Gadsden | $548,250 | $314,827 |
| Gilchrist | $548,250 | $314,827 |
| Glades | $548,250 | $314,827 |
| Gulf | $548,250 | $314,827 |
| Hamilton | $548,250 | $314,827 |
| Hardee | $510,400 | $314,827 |
| Hendry | $548,250 | $314,827 |
| Hernando | $548,250 | $314,827 |
| Highlands | $548,250 | $314,827 |
| Hillsborough | $548,250 | $314,827 |
| Holmes | $548,250 | $314,827 |
| Indian River | $548,250 | $314,827 |
| Jackson | $548,250 | $314,827 |
| Jefferson | $548,250 | $314,827 |
| Lafayette | $548,250 | $314,827 |
| Lake | $548,250 | $314,827 |
| Lee | $548,250 | $314,827 |
| Leon | $548,250 | $314,827 |
| Levy | $548,250 | $314,827 |
| Liberty | $548,250 | $314,827 |
| Madison | $548,250 | $314,827 |
| Manatee | $548,250 | $320,850 (High Balance FHA) |
| Marion | $548,250 | $314,827 |
| Martin | $548,250 | $327,750 (High Balance FHA) |
| Miami-Dade | $548,250 | $356,500 (High Balance FHA) |
| Monroe | $608,350 (High Balance Conforming) | $529,000 (High Balance FHA) |
| Nassau | $548,250 | $358,800 (High Balance FHA) |
| Okaloosa | $548,250 | $370,300 (High Balance FHA) |
| Okeechobee | $548,250 | $314,827 |
| Orange | $548,250 | $314,827 |
| Osceola | $548,250 | $314,827 |
| Palm Beach | $548,250 | $356,500 (High Balance FHA) |
| Pasco | $548,250 | $314,827 |
| Pinellas | $548,250 | $314,827 |
| Polk | $548,250 | $314,827 |
| Putnam | $548,250 | $314,827 |
| St. Johns | $548,250 | $373,750 (High Balance FHA) |
| St. Lucie | $548,250 | $350,750 (High Balance FHA) |
| Santa Rosa | $548,250 | $331,760 (High Balance FHA) |
| Sarasota | $548,250 | $331,760 (High Balance FHA) |
| Seminole | $548,250 | $331,760 (High Balance FHA) |
| Sumter | $548,250 | $331,760 (High Balance FHA) |
| Suwannee | $548,250 | $331,760 (High Balance FHA) |
| Taylor | $548,250 | $331,760 (High Balance FHA) |
| Union | $548,250 | $331,760 (High Balance FHA) |
| Volusia | $548,250 | $331,760 (High Balance FHA) |
| Wakulla | $548,250 | $331,760 (High Balance FHA) |
| Walton | $548,250 | $391,000 (High Balance FHA) |
| Washington | $548,250 | $331,760 (High Balance FHA) |
NOTE: As of January 1, 2020, veterans seeking to obtain what are commonly referred to as jumbo loans, or Veterans living in higher-cost markets, will no longer be subject to the Federally-established VA loan limit aka Conforming loan limit maximums. This means veterans may obtain no-down payment VA-backed loans in all areas of the country, regardless of home prices.
Note: Loan limits still apply for those who have more than one active VA loan, only partial entitlement available or those who have defaulted on a previous loan.